While car insurance is mandatory in Texas, insurance companies are not required by law to cover DUI drivers. If you have a conviction for drunk driving in Texas, your car insurance company may refuse to cover you or your rates could increase. Drivers who have a clean record, with no accidents, speeding tickets, or other violations, generally pay the lowest rate. People with a disorderly driving record usually pay the highest rate.
Having a DUI or DWI conviction on your record is one of the most serious crimes, with significant consequences for your car insurance premium. Request an auto insurance quote online or call 1-866-749-7436, and if you purchase a policy and need an SR-22, we'll immediately file it in your state. Once the DUI violation stops showing up on your motor vehicle report, you'll see a decrease in your car insurance rate. Your auto insurance company can do anything from increasing your car insurance premiums to choosing not to renew your car insurance policy.
A DUI, driving under the influence of alcohol or DWI, drunk driving can have some consequences on your car insurance policy that won't be cheap. Most states now require insurance companies to provide the motor vehicle division with actual verification that the person has obtained insurance for the vehicle after the conviction. It's illegal to continue driving without insurance, and that's an issue that can be resolved by seeking quotes from the best high-risk auto insurance companies. The best way to avoid paying exorbitant insurance premiums and additional charges and to retain your driving privileges is to avoid a conviction for drunk driving in Texas, which can ruin your life.
Even after this period is over, you could still pay more for your car insurance because of your drunk driving history. If you want to drive after the suspension of your administrative and criminal license has been suspended, you'll need to maintain your car's liability coverage and submit specific evidence from your insurer. Car insurance companies process a DUI in different ways, judging by the time a law enforcement officer reported the DUIs and by the seriousness of the incident. Because a DUI can stay on your driving record for 3 to 5 years (10 in California), you'll have to pay those car insurance premiums for the next few years.
All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as coverage approval, premiums, fees and charges) and policy obligations are the sole responsibility of the insurance insurer. Auto insurance laws in Texas are the same for all drivers, regardless of their driving history or DUI. Subsequently, if the insurance policy expires or is canceled, the state will be notified and the driver will be legally prohibited from driving until the insurance is insured again. However, since many companies don't insure a driver after a DUI, the phrase is commonly used to draw attention to the incident when looking for car insurance.